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Multi-Modal Deep Learning for Credit Rating Prediction Using Text and Numerical Data Streams
Applied Soft Computing, 2023Knowing which factors are significant in credit rating assignment leads to better decision-making. However, the focus of the literature thus far has been mostly on structured data, and fewer studies have addressed unstructured or multi-modal datasets. In
M. Tavakoli +3 more
semanticscholar +1 more source
Credit Rating Prediction Through Supply Chains: A Machine Learning Approach
Production and operations management, 2021As supply chain channels physical, financial, and information flows as well as associated risks, a firm's supply chain information should be helpful in understanding and predicting its credit risks. Credit ratings, as an approximate but important measure
Jing Wu, Zhaocheng Zhang, Sean X. Zhou
semanticscholar +1 more source
International Journal of Theoretical and Applied Finance, 2008 In this paper, we show that an individual optimal credit rating exists for firms and empirically test whether firms strive to achieve their optimal rating. For this purpose, we consider the structural model by Leland [12], which balances the benefits of debt in the form of the tax-deductibility of interest payments against bankruptcy costs in order to
SEBASTIAN HERZOG +2 more
openaire +3 more sources
Are Chinese credit ratings relevant? A study of the Chinese bond market and credit rating industry
Journal of Banking and Finance, 2018 We investigate the nascent but fast-growing Chinese bond market and credit rating industry. We find Chinese bond ratings are informative and significantly correlated with bond offering yields.
Miles Livingston, Lei Zhou
exaly +2 more sources
Supply chain finance: From traditional to supply chain credit rating
Journal of Purchasing and Supply Management, 2019 Traditional credit rating models, adopted by financial institutions to assess the credit risk of a company, adopt a purely financial perspective, and often fail to properly assess small and medium enterprises.
Antonella Moretto +2 more
exaly +2 more sources
The Credit Rating Industry [PDF]
The Journal of Fixed Income, 1995 Investors and regulators have been increasing their reliance on the opinions of the credit rating agencies. This article shows that although the ratings provide accurate rank-orderings of default risk, the meaning of specific letter grades varies over time and across agencies.
Richard Cantor, Frank Packer
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, 2022
Credit rating agencies (CRAs) assess the creditworthiness of debt issuers on financial markets. They are private companies and the ratings they issue are judgements about the prospect of repayment of debt by an issuer in time and in full. A rating is not
Giulia Mennillo
semanticscholar +1 more source
Credit rating agencies (CRAs) assess the creditworthiness of debt issuers on financial markets. They are private companies and the ratings they issue are judgements about the prospect of repayment of debt by an issuer in time and in full. A rating is not
Giulia Mennillo
semanticscholar +1 more source
The International Journal of Electrical Engineering & Education, 2020
Project teaching is a kind of teaching mode which connects theory with practice closely. Taking the “credit rating” course as an example, the passage discusses the relationship between the subject (students), the object (teacher) and the carrier (project)
Zijian Hu
semanticscholar +1 more source
Project teaching is a kind of teaching mode which connects theory with practice closely. Taking the “credit rating” course as an example, the passage discusses the relationship between the subject (students), the object (teacher) and the carrier (project)
Zijian Hu
semanticscholar +1 more source
Credit Rating Inflation and Firms' Investments
Journal of Finance, 2020We analyze credit rating effects on firm investments in a rational bond financing game that features a feedback loop. The credit rating agency (CRA) inflates the rating, providing a biased but informative signal to creditors.
Itay Goldstein, Chong Huang
semanticscholar +1 more source
Are Credit Ratings Procyclical?
SSRN Electronic Journal, 2003Abstract This paper studies the influence of the state of the business cycle on credit ratings. In particular, we assess whether rating agencies are excessively procyclical in their assignment of ratings. Our analysis is based on a model of ratings determination that takes into account factors that measure the business and financial risks of firms ...
C. H. Furfine, Jeffery D. Amato
openaire +2 more sources